Evaluating Technical Trends

This is a great article combining tech analysis and fundamental analysis with a big portion of reality. I hope to read more articles like this in the near future.

—Ivan Orozco from Florida

I thought Mr. Rondeau’s approach was very helpful. I have spent a lot of time studying fundamentals and picking stocks, only to watch the market go the other way. That left me poorer and more confused. Mr. Rondeau shows a good way to reduce those occurrences. Thanks.

—Phil Edwards from Florida

Managing Life Insurance Policies

In consulting and selling life insurance for 45 years, and managing agencies and teaching many individuals the business, I believe that there is a place for that whole life policy in my portfolio and a place for the policy on my wife’s life. We will always need the liquidity. At ages 87 and 84 we have done well and live well. The key is discipline! Buy term when you have a high risk, convert some of it as it grows and invest all along. Let the cash value be a bond portion and buy value

—Charlie Wadhams from California

Pros and Cons of Long-Term Care Insurance

This is the first long-term care LTC article I have read in a long time that notes the importance of a non-forfeiture feature such as reduced paid up or extended-term (both features I have). In the event of large rate increases or inability to pay for premiums after many years of payment, this is a wise “protective feature.” Non-forfeiture allows you to continue coverage without further payment of premiums at the very time you need th

— Paul from Connecticut

I am a professional actuary, a fellow of the Society of Actuaries, and I developed LTC policies from 1989 to 1993. If these policies have a loss ratio of 65% and there is a 70% chance that you will file a claim, it makes no sense to buy a policy.

Better to save the money in an IRA, invest in 60% stocks/40% bonds, and get the tax-deferral benefits and appreciation over 20 years on all your money, not just 65%. Further, if you need assisted living and private caregivers, instead of relying on long-term care insurance, you can spend your money as you need to and not argue with some insurance company about definitions and coverage. A lot of home health care and hospice is covered by Medicare.

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